BEVERLY NATIONAL CORP
10QSB, EX-27, 2000-11-08
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      14,043,077
<INT-BEARING-DEPOSITS>                         107,552
<FED-FUNDS-SOLD>                             3,000,000
<TRADING-ASSETS>                                66,142
<INVESTMENTS-HELD-FOR-SALE>                 36,601,566
<INVESTMENTS-CARRYING>                      18,130,400
<INVESTMENTS-MARKET>                        17,975,731
<LOANS>                                    163,820,644
<ALLOWANCE>                                  2,180,852
<TOTAL-ASSETS>                             246,386,714
<DEPOSITS>                                 222,045,382
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          2,281,901
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                     4,188,245
<OTHER-SE>                                  17,871,186
<TOTAL-LIABILITIES-AND-EQUITY>             246,386,714
<INTEREST-LOAN>                             10,038,890
<INTEREST-INVEST>                            2,325,338
<INTEREST-OTHER>                               427,734
<INTEREST-TOTAL>                            12,791,962
<INTEREST-DEPOSIT>                           4,263,016
<INTEREST-EXPENSE>                               2,699
<INTEREST-INCOME-NET>                        8,526,247
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              7,332,789
<INCOME-PRETAX>                              3,221,024
<INCOME-PRE-EXTRAORDINARY>                   3,221,024
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,238,318
<EPS-BASIC>                                       1.26
<EPS-DILUTED>                                     1.17
<YIELD-ACTUAL>                                    7.59
<LOANS-NON>                                    430,058
<LOANS-PAST>                                     7,804
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,132,386
<CHARGE-OFFS>                                   61,658
<RECOVERIES>                                   110,124
<ALLOWANCE-CLOSE>                            2,180,852
<ALLOWANCE-DOMESTIC>                         1,676,662
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        504,190





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